4 Ways to Get Max Value From Discover Cash Back Rewards

Discover has a generous and flexible cash-back program. Here's how you can make the most of it.

There are a lot of cash back rewards programs out there so it’s important to compare them and have a full understanding of what they each offer to make sure you find the one that is right for you.

With that in mind, we thought we’d break down what the Discover Cash Back Rewards program entails, give you some insights into a few ways to use the Discover cash back program so you get the most for your rewards and mention some of the cards that offer this rewards program. (Comparing cards and looking for more rewards program breakdowns? You can see six hacks for using the Citi ThankYou points program here.)

1. Cash or Statement Credit

Redeeming for cash or a statement credit is one of the easiest ways to get value through the Discover cash back program. There is no threshold for how much you have to earn before you cash out. Meaning, if you’ve only earned $5, you can cash out for $5 or you can wait until you have $100. You can apply the funds to your next statement, or transfer them to a bank account of your choice.

2. Gift Cards

One of the more interesting ways to use your cash back rewards from Discover is to receive gift cards. These gift cards can be from retail establishments, restaurants and gas stations. But what makes this an interesting option is that you receive $5 added to each gift card for free. While you might redeem $40 in cash back rewards, you could receive a gift card worth $45. Most of the gift cards come in the form of a physical card, which means you could have to wait up to 10 days before your card arrives. However, you can also receive eCertificates. These can be downloaded to your computer or on the Discover mobile app and used immediately.

3. Pay With Points

Discover has a relationship with Amazon that allows consumers to make purchases on Amazon.com and use their cash back to help cover the cost. It’s important to note that there is no value added when using your cash back on Amazon. One dollar in cash back equals one dollar on Amazon. Because of this, it may make more sense to pay for your Amazon purchase with a credit card, earn the additional rewards and then apply a statement credit toward the expense.

Earlier this year, Discover also announced an agreement with PayPal allowing cardholders to use cash back rewards on any purchase where PayPal is used. While this option has not gone live as of post time, it is expected to work the same way as the Amazon partnership.

4. Donate to Charity

While you will not earn anything extra, value wise, here, you have the option to help others and donate your cash back rewards to charity. Partners include the American Cancer Society, World Wildlife Fund and the American Red Cross. This can be a good option if you’re looking to donate money to one of these charities anyway, or if you’re simply in the giving spirit.

Earning Discover Cash Back Rewards

There a few cards that let you earn Discover cash back rewards. Let’s take a look at some of them. (Note: Most of the cards listed below require decent credit to qualify. Before you apply, you can check two of your credit scores for free on Credit.com so you can get an idea of if you’ll be eligible for the card you’re considering or not.)

Discover it Card

Anyone looking for a generous cash back card, without an annual fee, may want to have the Discover it card on their list of considerations. With this card, you can earn 5% cash back on rotating categories each quarter. One quarter it might be at gas stations and movie theaters, and the next it might be restaurants and groceries stores. There is a limit of $1,500 in purchases each quarter that earn 5% back. All other purchases made with the card receive 1% back. Plus, Discover matches everything you earn with this card for the first 12 billing cycles. That means if you earn $200 in cash back rewards, you actually receive $400. This card comes with an introductory 0% APR for 14 months on purchases and balance transfers. Afterward, the APR rises to a variable 11.49% to 23.49%.

Discover it Chrome Gas & Restaurant Card

If a lot of your monthly spending is focused on gas and restaurants, then the no-annual-fee Discover it Chrome Gas and Restaurants card could be a good option. With this card, you earn 2% cash back on up to $1,000 each quarter on combined purchases at gas stations and restaurants. All other purchase made receive 1% back. Just like the Discover it card, Discover matches all your earnings during the first year as a cardholder. This card also offers an introductory 0% APR for 14 months on purchases and balance transfers. Afterward, the APR becomes a variable 11.49% to 23.49%.

Discover it Student Card

The Discover it Student card works a lot like the standard Discover it card. You earn 5% cash back on rotating categories each quarter. Plus, all other purchases earn 1% back, with Discover matching your earnings during the first year. With this card, students get rewarded for earning good grades. Each year you earn a GPA of 3.0 or higher, you receive a $20 bonus cash back reward. This card comes with no annual fee and has an introductory 0% APR for six months on purchases. After the introductory period, the APR becomes a variable 13.49% to 22.49%.

Discover it Secured Card

If you’re attempting to rebuild your credit, or are new to the world of credit entirely, the Discover it Secured card might be an option worth considering. This card is a little different than most secured cards because it allows you to earn cash back while you build a better credit history. You earn 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations each quarter. All other purchases earn 1% back. Plus, like all other Discover cards, Discover matches your earnings the first year. There is no annual fee for this card. The APR is a variable 23.49%. (You can learn more about secured credit cards here.)

Image: PeopleImages

At publishing time, the Discover it, Discover it Chrome, Discover it Student Card and Discover it Secured Card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

The post 4 Ways to Get Max Value From Discover Cash Back Rewards appeared first on Credit.com.

Financing a DIY Remodel Project? Here’s How Home Depot & Lowe’s May Help

Home Depot and Lowe's both offer ways to finance home improvement projects. Here's how to pick between them.

Now that spring is here, you might be thinking about tackling home improvement projects. Whether it’s a new deck or a remodel of your kitchen, you’ll need to figure out how to pay for the work. And if you’re taking on these projects yourself instead of hiring a contractor, you may be headed to your local hardware store.

If you’re debating between Home Depot or Lowe’s for supplies, perhaps considering their different financing options may help in your decision-making process. (Before you look for financing options, it’s a good idea to take a look at your credit to see how it’s doing and what terms and conditions you may qualify for. You can check two of your credit scores for free on Credit.com.)

Home Depot Consumer Credit Card

With the Home Depot consumer credit card (which you can read a full review of here), you will receive 0% financing for six months on any purchase of $299 or more. After the promotional period ends, the annual percentage rate (APR) will change to a variable rate of 17.99%, 21.99%, 25.99% or 26.99%, depending on your creditworthiness. There is no annual fee with this card, but it charges deferred interest, calculated from the purchase date if you don’t pay your balance in full by the end of the promotional period.

Home Depot Project Loan

If you need a longer window to pay off your project, especially if you’re doing a large project (think projects like entire room remodels or additions), a Home Depot project loan could be another option. You can borrow up to $55,000 and have up to 84 months to pay off the loan. The first six months are considered a purchasing period during which you only pay interest on the amount borrowed, based on a 7.99% APR. The APR stays the same after this introductory period, but you’ll start to pay off the balance in monthly installments as well.

Why You Might Choose Home Depot Financing

The options at Home Depot and Lowe’s are similar, but there are key differences that could push you in either direction, depending on your preferences. With the Home Depot consumer credit card, there will be times throughout the year when Home Depot offers extended promotional financing beyond the standard six months. Some offers could be as long as 24 months. If you make your purchase during this period, you’ll have more time to pay for your project with no interest.

Lowe’s Consumer Credit Card

When using the Lowe’s consumer credit card there are a few options. You can either elect to receive a 5% discount on your purchase or special financing on purchases of $299 or more. One special financing option is to receive 0% APR for six months. If you go this route you will be charge deferred interest if the balance is not paid by the end of the six-month period. If you think you will need more time, you can choose to borrow for up to 84 months with a fixed 7.99% APR. Just be aware that if you take advantage of the special financing offers, you will not be able to receive the 5% off offer as well.

Why You Might Choose Lowe’s Financing

If you don’t need special financing and just want a discount, the Lowe’s consumer credit card might be the best choice. Because you can earn 5% off every purchase, the overall cost of your project could be considerably reduced.

Alternatives to Home Depot or Lowe’s Financing

If you want to earn rewards for your purchases or extend the 0% APR period, you might want to consider a credit card instead. Here are a couple of options.

Chase Freedom Card

This card allows you to earn rewards on purchases and offers an introductory 0% APR for 15 months on purchases and balance transfers. After the introductory period, the APR will change to a variable 15.49% to 24.24%. When you sign up for the card, you receive a $150 bonus after you spend $500 within the first three months. The card also comes with rotating 5% cash back categories each quarter. There is a limit of $1,500 per quarter on bonuses, which typically include home improvement stores once a year. All other purchases earn 1% back. This card comes with no annual fee.

Citi Simplicity

If you want to boost the time you have to pay off your home improvement project, the Citi Simplicity card might be an option. (Full Disclosure: Citibank and Chase advertise on Credit.com, but that results in no preferential editorial treatment.) With this card, you receive an introductory 0% APR for 21 months on purchases and balance transfers. Once the introductory period is over, the APR changes to a variable 14.24% to 24.24%. This card also comes with no annual fee and will not charge a late fee.

Looking for more ways to spruce up your house? Check out our annual homeowner to-do list.

Image: andresr

At publishing time, the Chase Freedom and City Simplicity cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

The post Financing a DIY Remodel Project? Here’s How Home Depot & Lowe’s May Help appeared first on Credit.com.

6 Hacks for Using the Citi ThankYou Points Program

Here's how to get the most out of your Citi rewards credit card points.

If you surveyed a group of people about credit cards, it’s likely they would say pretty much the same thing: Their favorite cards are part of a transferable points program. That’s because these cards tend to have the most flexibility when it comes to redeeming rewards. One of these programs is Citi ThankYou. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Over the past several years, Citi has made several changes to the ThankYou program to help it keep up with Chase Ultimate Rewards and Amex Membership Rewards. Two of the most noticeable changes are the selection of credit cards that allow you to earn ThankYou points and the airline transfer partners. Let’s take a look at how you can hack your Citi ThankYou points for maximum value.

1. Transfer Points to Loyalty Partners

One area where the Citi ThankYou program has improved over the past couple of years is with the quality of transfer partners. Unless noted below all partners transfer at a 1:1 ratio.

  • Jetblue (1,000:500)
  • Cathay Pacific
  • Etihad
  • Eva Air
  • Air France/KLM
  • Garuda Indonesia
  • Malaysia Airlines
  • Quantas
  • Qatar Airways
  • Singapore Airlines
  • Thai Airways
  • Virgin Atlantic
  • Hilton (1,000:1,500)

While the list of partners continues to grow, not all of them are a good use of your points. To get the most value, you could redeem points for one of these rewards:

Continental U.S. to Hawaii on Singapore Airlines

From the United States, one of the best uses for Singapore Airlines miles is to fly to Hawaii. One-way flights in coach, business class, and first class cost 17,500, 30,000 and 40,000 miles, respectively. Compare this to United Airlines, which charges 22,500, 40,000 and 50,000 miles.

Air France/KLM Flying Blue Promo Awards

One of the best ways to use Flying Blue miles is to book their promo awards. Each month, they release new promo routes and you can save 20% to 50% off normal redemption rates.

Continental U.S. to Mexico on Air France/KLM Flying Blue

Flying Blue includes Mexico in the same flight region as the United States, which means flights cost only 12,500 miles each way in coach.

TransAtlantic in Singapore Suites

If you’re tired of always flying coach, you can splurge and spend 57,375 Singapore Krisflyer Miles to fly Singapore Suites from New York to Frankfurt, Germany. If you’d like to continue, you can go all the way to Singapore for a total of 93,500 miles. But be warned: Flying in coach might never be the same.

Use Etihad Guest Miles from New York to Brussels in Business Class

Most airlines are part of large alliances or have partner airlines. This is great for consumers because it opens up a lot of options when using your miles. If you know where to look, you can find a lot of value when flying. One of the best ways to fly to Europe is to use Etihad Guest miles to fly Brussels Airlines from New York to Brussels. Traveling round-trip in economy will cost you 21,972 miles and business class will be 36,620 miles. If you want a card that earns you direct airline miles, here are our picks for some of the best airline miles credit cards out there.

2. Book Travel on Citi Travel Center

Another way to use your ThankYou points is to book your travel through the Citi Travel Center. This is where the specific card you have will dictate the value you receive. If you have a Citi ThankYou Premier card you can redeem your points for 1.25 cents each. Through July 23, those with a Citi ThankYou Prestige card can redeem points on American Airlines for 1.6 cents each and on all other airlines for 1.33 cents. Afterward, redemptions are 1.33 cents on all airlines. For any card that is not Premier or Prestige, you can book travel at just 1 cent per point.

3. Redeem for Cash

You can redeem your points for cash, but this is a pretty weak valuation. You will only receive 0.5 cents per point, but…

4. Pay Your Mortgage or Student Loans

You’ll receive 1 cent of value when you use your points to pay off your mortgage or student loans.

5. Shopping With Points

Citi has partnered with several retailers, making it possible to shop with your points. However, values fluctuate from 0.6 cents to around 1 cent per point, so unless it’s necessary for you to redeem through shopping, there are better ways to redeem points.

6. Gift Cards

Finally, you can also redeem your points for gift cards for select retailers and restaurants. Most of the time you will be able to receive 1 cent per point with this method.

Earning Citi ThankYou Points

Earning Citi ThankYou points is fairly simple. You can use one of a few different Citi credit cards or have select Citi banking products.

Citi Prestige

When you sign up for the Citi Prestige card, you receive 40,000 ThankYou points after spending $4,000 in the first three months. Then, when you use your card for airfare or hotels, you receive 3 points per dollar. You will also receive 2 points per dollar spent at restaurants and on entertainment. Any other purchase made will earn 1 points per dollar. This card has a steep $450 annual fee, but you will receive several travel benefits, including a $250 air travel credit, which you can use for airfare, upgrades, baggage fees and more. You will also receive a $100 statement credit to cover the cost of either Global Entry or TSA Precheck. If that’s not enough, you also receive your fourth night free when booking hotels through Citi Prestige Concierge. Plus, you can travel in comfort knowing you have complimentary access to more than 900 Priority Pass Select airport lounges.

Keep in mind before signing up for this or any rewards card that your credit will need to be in very good shape to qualify. If you’re not sure where your credit stands you can get your two free credit scores, updated every 14 days, right here on Credit.com.

Citi ThankYou Premier

With the Citi ThankYou Premier card, you receive 30,000 ThankYou points after signing up and spending $3,000 in the first three months. You then earn 3 points per dollar spent on travel expenses, which includes gas. Plus, you can earn 2x points when you use your card at restaurants and on entertainment. All other purchases will earn 1x points. There is a $95 annual fee, which is waived for the first year.

Citi ThankYou Preferred

If you prefer a card with no annual fee, then the Citi ThankYou Preferred card might be the best fit. You will earn 15,000 ThankYou points after signing up and spending $1,000 in the first three months. When you use this card at restaurants and on entertainment, you receive 2x points. All other purchases earn 1x points. This card also has an introductory 0% APR on purchases and balance transfers.

Citi ThankYou Preferred Card for College Students

If you’re a college student you can also earn ThankYou points with the Citi ThankYou Preferred card for College Students. With this card, you will earn 2,500 ThankYou points after spending $500 within the first three months. When you use your card at restaurants and on entertainment, you receive 2x points. All other purchases receive 1x points. After signing up for this card you receive an introductory 0% APR for the first seven months on purchases. There is no annual fee to carry this card.

Citi Banking Accounts

While you won’t be able to earn a huge number of points through this method, you can take advantage of the banking relationships you have with Citi. Depending on the product, you could earn up to 19,200 points per year.

Image: freemixer

At publishing time, the Citi Prestige, Citi ThankYou Premier, Citi ThankYou Preferred and Citi ThankYou Preferred for College Students cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

 

 

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5 New Hyatt Hotels You Can Visit in 2017 for Free

These five Hyatt Hotels are brand new and waiting for you to visit!

If you have been trying to figure out your next vacation destination, it’s understandable that you might be a little overwhelmed. There are so many amazing places around the world to experience.

If you prefer to stay at Hyatt hotels, we put together a list of five new properties, in highly sought-after locations, that you can visit with your points in 2017.

1. Park Hyatt Bangkok

If you are thinking about heading to Asia, then a great option would be Thailand and the much-anticipated Park Hyatt Bangkok. This property was originally scheduled to open a few years ago, but delays set it back. Now it will officially open in May 2017.

This hotel is located in the upscale Lumpini district in the embassy complex. In addition to over 200 rooms, it will also have a sprawling rooftop area called the Penthouse Bar and Grill. This will include a restaurant and a speakeasy bar. You will also find a fine dining restaurant and lounge on the main level.

This will be a category 5 property, costing 20,000 points per night.

2. Hyatt House Chelsea

Heading to New York City this summer? How about a stay at the Hyatt House Chelsea? This hotel is located just blocks away from Madison Square Garden, plus it’s within walking distance of the Chelsea Garment District. To make your stay a little more comfortable, you can choose from either standard studio hotel rooms or residential suites with kitchens. This is perfect if you are planning a longer extended vacation.

The Hyatt House Chelsea is a category 5 property, requiring 20,000 points per night.

3. Hyatt Regency Cartagena

For a long time, Colombia was tarnished by the image of drugs and criminal activity. Today, most of the problems have been eliminated and the country is turning into a hotspot for tourism.

One of the most popular draws to Colombia beyond Bogotá is Cartagena. This coastal city is rich with history and amazing food. It’s also home to the brand-new Hyatt Regency Cartegena, the first Hyatt property in Colombia. It’s located right by the beach and easily accessible to Categena’s Old Town.

The Hyatt Regency Cartagena is a category 2 property, requiring just 8,000 points per night.

4. Andaz Scottsdale Resort & Spa

If you are planning a getaway for some golf and a spa day, then a great destination is the Andaz Scottsdale Resort and Spa, in Arizona. Guest rooms have a bungalow feel to them, plus you will be able to enjoy one of the three different pools or the Palo Verde Spa & Apothecary. But the best part is the property’s mountain backdrop.

The Andaz Scottsdale Resort and Spa is a category 5 property, requiring 20,000 points per night.

5. Hyatt Centric Waikiki Beach 

If a Hawaii vacation is calling your name, then make sure you make a stop at the Hyatt Centric Waikiki Beach. This is the latest addition to the Hyatt Centric brand, located right on Waikiki Beach. After a long hike up Diamond Head Trail, you can come back and relax by the pool in one of the private cabanas.

The Hyatt Centric Waikiki Beach is a category 5 property, requiring 20,000 points per night.

Earning Free Nights With Hyatt

One of the best ways for someone to earn points and eventually free nights with Hyatt is through the Hyatt Credit Card. When you sign up you will receive two free nights at any property worldwide after spending $2,000 in the first three months. If you choose to add an authorized user to your account, you will receive 5,000 points after they make their first purchases within three months. (You can learn more about the ins and outs of adding an authorized user here.)

When using this card for purchases at Hyatt hotels, you will receive three points. You will also receive two points at restaurants and on airfare booked directly through the airlines. All other purchases will receive one point.

This card does come with an annual fee of $75, but you will receive a free night at any category 1 to 4 property on your anniversary. (Not sure if the fee is worth it? Check out our guide to annual fees to help you decide.) Plus, if you are planning to visit one of the international destinations we mentioned, there are no foreign transaction fees.

Remember, before applying for this or any credit card, it’s a good idea to check your credit scores to confirm that you qualify. You can get your two free credit reports, updated every 14 days, right here on Credit.com.

Want more hotel stay hacks? Check out our hacks for free nights at Marriott hotels.

Image: andresr

 

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3 Hacks for Using the Chase Ultimate Rewards Program

The Chase Ultimate Rewards Program is one of the most flexible out there. Check out these cool ways of using your points.

If you have a Chase credit card, or are considering getting one, you’ve likely heard of the Chase Ultimate Reward program. There are several rewards credit cards in the Chase repertoire (more on those in a minute) and, while they may have different reward structures, the reward program is the same. No matter which Ultimate Rewards eligible card you have, you may want to consider these three hacks to help you use your points in the way that benefits you the most. (Note: Before you apply for any of these cards, make sure your credit scores are high enough to qualify. You can check two of your scores free, updated every 14 days, on Credit.com.)

1. Transferring Ultimate Reward Points to Loyalty Partners

One of the most popular uses for Ultimate Reward points is being able to transfer them directly to one of the many airline and hotel partners. All of their partners give you the ability to move points one-to-one. Partners you can choose from include:

  • United Airlines
  • Southwest Airlines
  • British Airways
  • Korean Air
  • Virgin Atlantic
  • Singapore Airlines
  • Air France / KLM
  • Hyatt
  • IHG
  • Marriott
  • Ritz-Carlton

Each of these partners has its own sweet spot, which is what makes them all so special. Southwest Airlines, for example, may run a $39 fare sale, which make it possible to book one-way flights for less than 3,000 points. If you’re planning a trip to Hawaii then transferring your miles to Korean Air is a great option. Korean Air, which only requires 25,000 Korean Air Skypass miles to book a round-trip economy ticket to Hawaii from North America.

2. Using the Chase Ultimate Rewards Portal to Book Travel

Another way to use your Ultimate Reward points is to book your travel directly through the Ultimate Rewards portal. You can book airfare, hotels or other excursions. The actual value you receive depends on the card you have. For example, if you have the Chase Sapphire Reserve card you will receive a 50% bonus when booking your travel through the Ultimate Rewards portal. That means 50,000 points would be worth $750 toward travel. If you have any of the other Ultimate Reward earning cards, the bonus is 25%. That would make 50,000 points worth $625 of travel.

3. Redeeming Ultimate Rewards for Cash Back

Another redemption option, but the one offering the least amount of value, is to redeem points for cash back. Each point you redeem would be worth one cent. That means 50,000 points redeemed for cash back would have a value of $500.

Earning Chase Ultimate Reward Points

There are several credit cards that allow you to earn Chase Ultimate Rewards. Let’s look at what each card has to offer.

Chase Sapphire Preferred: When you sign up for the Chase Sapphire Preferred card (read our review here), you can receive 50,000 points after spending $4,000 in the first three months. If you decide to add an authorized user to your account, you can receive an extra 5,000 points. They just need to make a purchase within the first three months. You earn two points per dollar when you use the card on travel expenses and at restaurants. All other purchases earn one point per dollar. This card has an annual fee of $95, which is waived the first year.

Chase Sapphire Reserve: The Chase Sapphire Reserve (read our review here) is Chase’s premium card. When you sign up, you can receive 50,000 Ultimate Reward points after you spend $4,000 in the first three months. You will then receive three points per dollar when you use the card for travel and at restaurants. This card includes a fairly high $450 annual fee, but much of that can be recouped with the travel benefits you receive. To start, you will receive a $300 travel credit that can be used for everything from airfare to baggage fees. You will also receive up to a $100 statement credit when you apply for either Global Entry or TSA PreCheck. So that you can relax a little easier while traveling, you will also receive a complimentary Priority Pass Select membership. This will give you access to more than 900 different airport lounges worldwide.

Chase Ink Business Preferred: If you have a small business, you can pick up the Chase Ink Business Preferred card. With this card, you will be able to earn 80,000 points after spending $5,000 within the first three months. You will then be able to earn three points per dollar on the first $150,000 spent each calendar year on travel, shipping, internet, cable and phone services, and on any online advertising that you do through social media and search engines. This card has a $95 annual fee.

Chase Freedom Unlimited: If you have the Chase Freedom Unlimited you will not have the opportunity to earn Ultimate Reward points directly. You will, however, be able to transfer your rewards into Ultimate Reward points if you also carry one of the previously mentioned cards. When you sign up for this card you will receive a $150 bonus after spending $500 in the first three months. This bonus can be transferred into 15,000 Ultimate Reward points. If you’d like to add an authorized user to your account, you will receive an extra $25, or 2,500 points, after they make a purchase in the first three months. You will then receive 1.5% cash back on all purchases you make with the card. This card has no annual fee.

Chase Freedom: The Chase Freedom card is similar to the Chase Freedom Unlimited in that you can’t earn Ultimate Rewards directly. You need to also carry one of the other Ultimate Reward-earning cards and then transfer your points. When you sign up for the Chase Freedom card you will earn a $150 bonus, or 15,000 points, after spending $500 in the first three months. The Chase Freedom card is a little different because it includes rotating categories each quarter, giving you the ability to earn 5% cash back, on up to $1,500 per quarter. One quarter might reward purchases at restaurants and gas stations, and the next it might be department stores and movie theaters. All other purchases that you make will earn 1% back. This card comes with no annual fee. (We think Chase Freedom is one of the best credit card deals around. Check out our other favorites.)

Image: jacoblund

At publishing time, the Chase Freedom and Chase Freedom Unlimited cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

The post 3 Hacks for Using the Chase Ultimate Rewards Program appeared first on Credit.com.

5 New IHG Hotels You Can Visit in 2017 for Free

Here's how to use your IHG Rewards Club points for free nights at these new hotels.

If you’re planning a vacation this year and are a fan of Intercontinental Hotel Group hotels, we’ve got some good news for you. The firm has recently opened five new hotels around the world — and, if you play your points right, you could score a stay in one free of charge. (Psst … if you’re trying to travel on a dime, we’ve got 28 more ways to save for this year’s big adventure right here.)

Here’s how many IHG Rewards Club points you’ll need to stay in one or all of its new additions absolutely free.

1. Hotel Indigo Lower East Side

If you will be traveling to New York City, then make sure you plan a stay at Hotel Indigo Lower East Side. This hotel is situated in the middle of one of the city’s most popular neighborhoods. During your stay you can enjoy a swim in the hotel’s rooftop pool, or even join a yoga class while enjoying the top-floor views.

A free night at the Hotel Indigo Lower East side will cost 50,000 points per night.

2. Hotel Indigo Singapore Katong

Located in the old Joo Chiat police station, the Hotel Indigo Singapore Katong is perfect for travelers that want to have easy access to everything the city has to offer. Grab a bite to eat at the hotel’s Baba Chews Bar and Eatery after you relax in the hotel’s infinity pool situated on the roof.

Free nights at the Hotel Indigo Singapore Katong will cost 40,000 points per night.

3. InterContinental Beijing Sanlitun

During your next trip to Beijing, stay at the InterContinental Beijing Sanlitun, located in the middle of the city’s entertainment district. You will be situated close to some of the best bars, restaurants, and markets that Beijing has to offer. Within the hotel you will experience five-star service, with multiple bars and restaurants featuring spectacular views of the city, and rooms that will make you feel rested and ready to go each morning.

Free nights at the InterContinental Beijing Sanlitun will cost 50,000 points per night.

4. Crowne Plaza Resort Sanya Bay, China

The Crowne Plaza Resort Sanya Bay is located in the largest of China’s Hainan Island bays. This hotel’s tropical location is perfect for anyone who might be in town for pleasure or business. You will be a short ride away from both Nanshan Temple and Mingzhu Plaza. At the hotel you will find both an indoor and outdoor pool, and also a natural hot spring.

The Crowne Plaza Resort Sanya Bay will cost 25,000 points per night.

5. Holiday Inn Manchester — City Centre

Anyone visiting Manchester, England, will have an abundance of hotels to choose from. However, if you want to be located right in the middle of city center, the new Holiday Inn Manchester might be the way to go. This hotel is located in near proximity to many of the city’s biggest venues including O2 Apollo, Manchester Area, and Bridgewater Hall.

The Holiday Inn Manchester – City Centre will cost 30,000 points per night.

How to Earn More IHG Rewards Club Points

Anyone looking to increase their balance of IHG Rewards Club points should look no further than the IHG Rewards Club Select Credit Card from Chase. When you sign up for this rewards credit card, you’ll receive 60,000 points after spending $1,000 in the first three months. If you’d like to add an authorized user to your account, you’ll earn an extra 5,000 points after they make a purchase in the first three months.

When you use the card at IHG hotels, you will receive 5x points. Purchases made at grocery stores, gas stations, and restaurants will all earn 2x points. All other purchases will earn 1x point for every dollar spent. This card has no foreign transaction fees, but it does come with an annual fee of $49, which is waived the first year.

Also, you’ll receive a certificate for a free night at any IHG hotel on the anniversary of opening the card, plus you’ll automatically receive IHG Platinum Elite status. This will give you 10% of your points back on redemption. It touts a 16.49% to 23.49% variable annual percentage rate (APR), depending on creditworthiness. (You can get an idea of where you might fall by viewing two of your free credit scores, updated every 14 days, on Credit.com.)

Of course, if IHG isn’t your chain of choice, there are plenty of other hotel rewards credit cards out there that could score you a free stay. (You can find a few more solid credit cards for hotel hoppers here.) And, if you don’t have a chain of choice, you might want to opt for a general-purpose travel rewards credit card whose points and miles are good for any hotel or airline purchase. Just be sure to pay your balances off on all above in full — otherwise, you’ll lose those precious points to interest.

Happy travels!

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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How to Visit Disney World for Free (or Close To It)

Anyone with kids understands that Disney World is a vacation they need to take at least once. After all, it’s the happiest place on earth. The only problem is, the place is expensive, and it’s only getting more so. In February, Disney announced they were raising ticket prices.

Last year, Disney parks started implementing tiered admission prices based on the season. This was to help fight overcrowding at some of the busiest times of the year.

With the price increase, most Disney theme parks will see mid-tier tickets increase to $107, up from $102. Peak season tickets (think spring break, summer and Christmas break) will increase to $119 from $114. And one-day tickets for the low season will go up to $99 from $97.

Tickets for the Magic Kingdom will cost a bit more for mid-tier tickets, up from $110 to $115, but peak prices will remain unchanged at $124.

Obviously, it gets expensive for a family. Just visiting the Magic Kingdom would end up costing a family of four between $396 and $496 depending on the season. And that’s for just one day at the park. Disney does offer special discount ticket packages, however, so be sure to check out what’s on offer before booking. You might be able to get a really good deal, especially during the off-season.

Of course, there are other ways to reduce your costs for visiting the happiest place on earth. You can start by using the rewards you receive from credit cards, for starters. There are three different cards you will need to make your trip nearly free (excluding food costs).

The Flights

Southwest Airlines is a favorite for many people. They’re inexpensive, they’re friendly and the overall flying experience is considered quite pleasant. Frequently the airline runs sales with prices starting at $59 one-way, or approximately 4,130 Southwest Rapid Reward points. That means for a family of four, it’s possible to get round-trip flights for as little as 33,040 points.

To cover this expense, you can sign up for the Southwest Rapid Rewards Plus credit card. You will receive 50,000 points after you spend $2,000 within the first three months. In addition to this signup bonus, you will also receive 2 points per dollar on Southwest Airlines flights and on Rapid Rewards hotel and car rental partner purchases. For all other purchases you will receive 1 points per dollar. There is a $69 annual fee, but you will receive 3,000 bonus points on every card member anniversary.

The Hotel

A couple of years ago, Wyndham Resorts changed how many points were needed for a free night at any property. Instead of using a tiered system like other hotel brands, they moved to a flat rate. It now costs 15,000 points per night at every hotel.

Located right outside the Disney Park is the Wyndham Grand Orlando Resort Bonnet Creek. This hotel is extremely kid-friendly with multiple pools, water slides and themed rooms. There is also a free shuttle that will take you to the Disney World gates.

To cover the expense, you could sign up for the Wyndham Rewards Visa card from Barclaycard. You will receive 30,000 points after your first purchase and another 15,000 points after spending $2,000 in the first 90 days. These 45,000 points would be good enough for three free nights. If you and your spouse both sign up for this card, you could earn up to six free nights.

In addition to the points you earn after signing up, you will also receive 5 points per dollar spent at any Wyndham property. Purchases made at gas stations, grocery stores and on any utility bill will receive 2 points per dollar. All other purchases will receive 1 points per dollar. There is a $75 annual fee, but you will receive 6,000 bonus points on each anniversary.

The Theme Park

We have already talked about how expensive it can be to purchase Disney World tickets. Luckily the cost can be mostly offset by the Barclaycard Arrival Plus World Elite MasterCard. With this card you will receive 50,000 miles after spending $3,000 in the first 90 days. You will also receive 2 miles per dollar on every purchase that you make.

The points you earn are worth statement credits on any travel expense. Each mile is worth one cent each. That means the 50,000 mile signup bonus is worth $500, enough to cover the costs of four Disney theme park tickets at peak season prices. However, it’s important to understand that purchases at Disney won’t be coded as a travel expense and you won’t be able to use your miles. Instead, you would need to purchase your Disney tickets through either Expedia.com or UndercoverTourist.com.

Another perk of the Barclaycard Arrival Plus credit card is that you will receive 5% of your rewards back in your account upon redemption. That means if you redeem the 50,000 miles for Disney tickets, 2,500 miles will be put back into your account. There is an $89 annual fee with this card, but it’s waived the first year.

Being Smart About Multiple Credit Cards

One of the big things to consider before applying for multiple credit cards, is that it’s wise to space out your applications. Too many new credit requests all at once can ding your credit scores, meaning your application for your second, third or even fourth card could be declined. Plus, multiple credit cards aren’t for everyone. They mean you’ll have to keep track of multiple initial-spend requirements, plus multiple due dates for your monthly payments.

Also keep in mind that, while the rewards may be attractive, especially if you’re trying to take a free vacation, you may not want (or be able) to spend the necessary amounts to reap those rewards. It’s important to understand whether or not that kind of spending will fit within your household’s budget. The last thing you want to do is end up coming home from Disney World with debt you’ll struggle to pay off.

Whatever you decide, checking your credit scores before applying is an important step. It can help you understand whether you’ll actually qualify for the particular rewards card you have your eye on (rewards credit cards tend to require higher credit scores). You can get your two credit scores absolutely free and updated every 14 days, right here on Credit.com.

At publishing time, the BarclayCard Arrival Plus World Elite MasterCard is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

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5 New Marriott Hotels You Can Visit in 2017 for Free

Let these new hotels help you check off some of your bucket list destinations.

There are a lot of new hotels opening up all around the world this year, including those by the ever-popular Marriott chain. So, before you plan your next vacation, make sure you check out some of the new properties Marriott has planned. One of these might help you cross a location off your bucket list and save you some money at the same time if you’re a Marriott Rewards member. (Note: Marriott purchased Starwood hotels late last year. If this is your preferred hotel, you may want to check out these five new Starwood hotels you can visit for free.)

AC Hotel Portland

Portland has become one of the “it” cities to visit in the United States over the last several years, so it’s no wonder that Marriott’s AC brand of hotels — which can be found all across Europe — is opening a new location in Portland. During your stay make sure you visit the hotel restaurant, AC Kitchen. This tapas style restaurant will bring some of the hotel’s Spanish influence to the city.

This category seven property will cost 30,000-35,000 points for a free night.

JW Marriott Singapore South Beach

Any trip to Singapore should include luxury and style. That’s exactly what you’ll find when you stay at the JW Marriott Singapore South Beach. Located right in the heart of all the major tourist attractions, this hotel features 634 rooms, including 47 suites. There are five different restaurants to choose from, including one from executive chef Akira Back of Iron Chef America. Because Singapore is very much a vertical city, sky gardens are very popular, and the JW Marriott Singapore South Beach has two on property.

This hotel is a category eight property, requiring 35,000-40,000 points for a free night.

Edition Barcelona

Barcelona, Spain, is a city filled with art, rich culture, and amazing food. It’s there that Marriott will be opening their latest Edition hotel. This 100-room property will be located in the Ciutat Vella district. If you are looking for the next big party, this might be the perfect place to stay. You will be able to enjoy three restaurants, a rooftop and lobby lounge, plus a nightclub.

This hotel will open later in 2017 and there is no official announcement on the Marriott Rewards category or the price.

AC Hotel Denver Downtown

The mile-high city is one of the hottest places to be right now. Listed as the number two place to live in the U.S., people are coming here to visit from all over the world. If you are thinking about an upcoming trip to Denver, then you might want to look into the AC Hotel Denver Downtown. Located in the heart of the Denver theater district, this hotel is surrounded by bars and restaurants where you can enjoy the Denver nightlife. The hotel even offers Denver’s highest open-air, rooftop bar.

The AC Hotel Denver Downtown will open in August 2017. At this time it’s unknown what Marriott Rewards category this hotel will be.

Moxy NYC Times Square South

Located in New York City’s Time Square, this hip hotel will be geared toward Millennials who are looking to relax and have a good time. This will be the flagship property for the Moxy brand, and will include numerous pop-up shops, restaurants and a sprawling rooftop fitness center.

Moxy Times Square South will open in summer 2017. Its Marriott Rewards category is still unknown.

Earning Marriott Rewards

If you want to score some free nights at any of these properties, one of the easiest ways to earn Marriott points is with the Marriott Rewards Premier credit card. When you sign up you will receive 80,000 points after spending $3,000 in the first three months. If you want to add an authorized user to your account, you will earn an additional 7,500 points once they make a purchase in the first three months.

When you use this card at Marriott properties, you will receive five times the points. In addition, you will earn two times the points at restaurants, car rental companies, and on airfare that you purchase through the airlines. All other purchase will earn one point per dollar. There is an annual fee of $85, but you will receive a free night at any category one through five property on your anniversary. The card comes with a variable 16.49% to 23.49% APR based on creditworthiness.

All cardholders will automatically receive silver elite status as well as 15 credits toward gold status. Plus, for every $3,000 in purchases you make with the card, you will receive an additional elite status credit.

Earn Even More Rewards as a Business Owner

Marriott also offers small business owners an additional way to boost their Marriott Reward balance. When you sign up for the Marriott Rewards Premier Business credit card, you will receive an additional 80,000 Marriott Reward points. You’ll also be able to earn the same amount of points on purchases with this business credit card as you can with the personal version. The only difference is that you can also earn 2x points at office supply stores and on internet, cable, and phone services.

The Marriott Rewards Business credit card has an annual fee of $99, but you will also receive a free night at any category one through five property on your anniversary. You will also receive the same elite status benefits as you would with the personal card. However, if you spend $50,000 on your business card in a calendar year you will automatically receive gold status.

Remember, before applying for any credit card, it’s a good idea to check your credit reports and credit scores. Errors on your credit report can bring down your scores, which could result in your application being declined. You can get your two, absolutely free credit scores, updated every 14 days, right here on Credit.com.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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4 Rewards Credit Cards for People Who Just Don’t Travel

Prefer staying at home? These are the best credit cards for people who don't travel that often.

So many credit cards today offer cardholders travel rewards. Airline-branded cards focus on earning and redeeming miles with individual carriers. Hotel credit cards do the same with individual hotel chains. But what if travel isn’t your thing? If that’s the case, having a card for earning and redeeming points on travel is, well, kind of pointless.

As a general rule of thumb, you’ll want to get a rewards credit card that offers the most bang for your buck in a category you tend to spend a lot on already. And if you don’t pay your balances off in full each month, you’re probably better off foregoing a rewards credit card completely since those points, miles and cash back will just get lost to interest. (You can see how your credit card balances are affecting your credit by viewing your free credit report summary, updated every 14 days, on Credit.com.)

Having said that, here are four rewards credit cards for non-travelers to consider.

For the Constant Commuter

1. BankAmericard Cash Rewards Card

If you find yourself in the car a lot during the week, the BankAmericard Cash Rewards card would be a good fit for your wallet. Whether you’re driving to and from work or just shuttling the kids to all their activities, this card rewards you for filling up the tank. You’ll get 3% cash back on gas purchases and 2% cash back at grocery stores and wholesale clubs. There’s a $2,500 limit on those bonus categories each quarter, but you’ll get 1% cash back everywhere else. (Not bad for a card without an annual fee.)

Plus, you can receive a $100 cash back bonus if you spend $500 in the first 90 days. If you’re a Bank of America customer, the earnings are even higher. Depending on the assets you have with the bank, you can earn a 10% to 75% bonus when you redeem your cash back into a Bank of America checking or savings account. (That 75% bonus is for Bank of America Preferred Rewards clients.)

As a new cardholder, you’ll receive an introductory 0% annual percentage rate (APR) for 12 months on purchases and any balance transfer you make within 60 days. Once the introductory period has ended, the APR will change to a variable 13.49% to 23.49%, depending on your creditworthiness.

For Whoever Does the Grocery Shopping 

2. Blue Cash Preferred Card from American Express

When it comes to earning rewards on groceries, there is no better card than the Blue Cash Preferred card from American Express (we’ve got a full review here). With this card, you receive 6% back at U.S. supermarkets on up to $6,000 in purchases per year. When you use this card at gas stations, you receive 3% back. All other purchases earn 1% cash back.

When you apply before May 3, 2017, you can earn 10% cash back at restaurants (a $200 cash back max) for the first six months, and you’re eligible for a $150 cash back bonus after spending $1,000 in the first three months.

This card does come with a $95 annual fee, but it also offers an introductory 0% APR for 12 months on purchases and balance transfers. After the introductory period has ended, the APR will become a variable 13.49% to 23.49%.

For Retirees

3. AARP Credit Card From Chase

Chase’s AARP credit card is designed for members of the organization, though anyone can apply and it touts some solid rewards for foodies. Cardholders receive 3% cash back at restaurants and gas stations and 1% cash back everywhere else. Plus, when you sign up for this no-annual-fee card, you’re eligible for a $100 cash back bonus after spending $500 in the first three months.

The card also has a charitable component: For every dollar you spend with your card at restaurants, 10 cents will be donated to the AARP foundation in support of Drive to End Hunger, up to $1 million in 2017. (You can find a few more credit cards that make giving easy here.)

The AARP credit card comes with an introductory 0% APR for 12 months on purchases and balance transfers. Once the introductory period has ended, the APR will change to a variable 16.74% to 23.49%.

For the Fickle Spender

4. Citi Double Cash Card

The Citi Double Cash card doesn’t have a flashy signup bonus, but it does give you the ability to earn cash back on every purchase without any hassle. There are no bonus or rotating categories, just an attractive flat rate. You will have the opportunity to earn 2% cash back on every purchase: The first 1% will come when you make the purchase. You will then earn another 1% back when you pay it off. This is a pretty attractive offer considering the card comes with no annual fee. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

The Citi Double Cash card (full review here) is also a great card if you need to transfer a balance from a high-interest credit card. You can receive an introductory 0% APR for 18 months on balance transfers. The balance transfer fee is 3%. Once the introductory period has ended, the rate will change to a variable 13.99% to 23.99%.

At publishing time, the American Express Blue Cash Preferred and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuers. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuers.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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5 New Starwood Hotels You Can Visit for Free

Planning your spring break vacation? Be sure to factor in these Starwood hotels you can stay at for free.

As we move into spring break season, a lot of you may have vacation plans. If not, then it might be time to start planning a trip. Deciding where to go can be the hardest part of all, as your bucket list of locations may be pretty long. However, if you have credit card rewards, your travel plans will probably be made based on your points and rewards. (You may also consider these 28 ways to save for this years big adventure.)

If you have a large balance of Starwood Points, you might want to consider one of these five Starwood properties that have recently opened around the world. Take a look.

1. Las Alcobas, a Luxury Collection Hotel

Located in California’s Napa Valley, this new Luxury Collection hotel is perfect for any wine lover. Most of the hotels’ rooms come with spacious balconies overlooking the vineyards. When not taking advantage of the complementary shuttle, you can indulge yourself at the hotels’ luxury spa. Or you might choose to dine at The Acacia House, the restaurant by Top Chef alum Chris Cosentino.

This is a Category seven property, so it will set you back 30,000 to 35,000 points a night.

2. W Las Vegas

If Las Vegas is more your scene, make sure you check out the new W Las Vegas. Located on the northern end of the Strip, you will find this new property in one of the SLS towers. You will have access to seven different restaurants as well as three entertainment venues and a bar to wind down with a drink. If you want to get out and explore the Las Vegas area, Enterprise Rent-a-Car service is available.

The W Las Vegas is a Category five property, so it will cost 12,000 to 16,000 points a night.

3. Le Méridien Visconti Rome

If you are looking to get out of the U.S., then Rome might be the perfect place to visit this year. This new Starwood property is located in a prime location near the Vatican. If you have ever been to Rome, then you know that most of the city’s hotels were decorated with the renaissance style in mind. The Le Méridien Visconti Rome chose to do things a little differently, going for a sleek contemporary look. Not only does this hotel have the perfect location, you will enjoy its rooftop terrace while you relax after a long day of sightseeing.

The Le Méridien Visconti Rome is a Category five property, meaning rooms cost 12,000 to 16,000 points a night.

4. The St. Regis Dubai, Al Habtoor Polo Resort & Club

Polo is one of the most popular sports in the United Arab Emirates, and this property sits on a massive equestrian complex. In fact, the St. Regis Dubai, Al Habtoor Polo Resort & Club is host to the Dubai Polo Gold Cup.

The St. Regis Dubai, Al Habtoor Polo Resort & Club is a Category six property, so rooms will cost 20,000 to 25,000 points a night.

5. Four Points by Sheraton Kolasin

If you are looking to hit the slopes this spring, you might want to check out the Four Points by Sheraton Kolasin. This chalet-style hotel, situated near Montenegro’s northern city, Kolašin, feels just like you are in the Rocky Mountains or Swiss Alps. And it has the services you require. You will find two on-site restaurants, a rental car counter, and a spa where you can relax after a long day on the slopes.

The Four Points by Sheraton Kolasin is a Category four hotel, which means rooms will cost 10,000 points a night.

How to Earn Starwood Points With Your Credit Card

The easiest way to earn Starwood points fast is by using the Starwood Preferred Guest Credit Card from American Express. When you sign up for this card, you will earn up to 35,000 points. You will earn 25,000 points after spending $3,000 in the first three months. You will then earn an additional 10,000 points after spending another $2,000 in the first six months. (This offer expires April 5, 2017.)

When you use the card at Starwood properties, you can earn up to five points. You can also earn two points when you use the card at participating Marriott properties. All other purchases with the card will earn one point. As a cardholder, you will receive a credit for two stays and five nights that count toward SPG Elite status. (You can read more about this card in our American Express Starwood Preferred Guest Card review.)

You can choose to redeem your points at any of the 1,000+ Starwood properties, including the five mentioned above. You can also choose to transfer your points to one of many different airlines. When you do this, you will receive a 5,000 point bonus for every 20,000 points you transfer. This card has an annual fee of $95 that’s waived the first year. It carries a variable APR of 15.74% to 19.74%, based on your creditworthiness. (Not sure where your credit stands? You can view two of your scores for free on Credit.com.)

Note: Marriott bought Starwood hotels last year — You can go here to read about how this will impact your credit card rewards.

How to Earn Starwood Points for Your Business

If you are a business owner, then you will have even more options for earning Starwood points. In addition to the personal credit card, you will also be able to get the Starwood Preferred Guest Business Credit Card from American Express. With this card, you will have the chance to earn 35,000 points. You will receive 25,000 points after you spend $5,000 in the first three months. You will then earn another 10,000 points after spending an additional $3,000 in the first six months. (This offer ends April 5, 2017.)

With this card, you will be able to earn Starwood points the same way you can with the personal card. The business card also comes with a few extra benefits. You will receive unlimited complimentary Wi-Fi at any Boingo hotspot, and you will receive access to Sheraton Club lounges. The Starwood Preferred Guest Business card has a $95 annual fee, which is waived the first year. Its variable APR is 15.74%, 17.74% or 19.74% based on your creditworthiness when you apply.

At publishing time, the Starwood Preferred Guest Credit Card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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